What is the ruling on a son's refusal to help his indebted father, given the latter's urgent need for money, and what is the correct course of action in this situation?

The majority of scholars hold that a child is not obligated to give their parent anything from their wealth or to pay off their debts if the parent is self-sufficient and not in need. However, if the parent is in need and cannot find what to spend, then their maintenance becomes obligatory upon their child by consensus, due to the Almighty's saying: "But if they endeavor to make you associate with Me that of which you have no knowledge, do not obey them, but accompany them in [this] world with appropriate kindness." If maintenance is not obligatory upon you, or if you have provided it according to custom, then there is no impediment to saving money. It is better to treat the parent kindly and assist them with their debts and problems in a way that does not harm the child.